Syag > We are not in control.
R Avigdor Miller brings another example of someone opening a door and inviting a beggar into the house, giving him a cup of tea. Then, while beggar asks for a second cup, and baal habais goes to get it, the beggar throws hot tea into a baby’s face. How does this hashgaha matches the chesed?! Simple: he did an aveira leaving a baby with a crazy person and is punished for that. Sometimes, we diminish our understanding of Hashem by claiming that things are beyond understanding.
As to OP, if this were happen with CTLAWYER, who habitually arrives 10 minutes early to be on time, and still through a strange coincidence, he would be late and all the above happened, I would also see solely hashgahat pratis here. This is not to deny that if this were to happen with me, I would claim the same defense! Maybe my own shortcomings called me to notice the problem, as it usually happens.